The 50/30/20 rule is a popular budgeting technique. Use this calculator to figure out how to spend your money.

Spaced out savings. When you use the 200-envelope challenge, you have more breathing room than the 100-envelope challenge. Limiting daily deposits to $50 rather than $51-$100, the 200-envelope ...

While strategies like Dave Ramsey's envelope system or zero ... OK to adjust the percentages in the 50/30/20 rule so it fits your financial circumstances, savings goals, and values.